Call reports 2015
FARMERS SAVINGS BANK — 2015
What FARMERS SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 168,243,000 | 165,353,000 | 167,029,000 | 169,420,000 |
| Total loans | 108,141,000 | 109,930,000 | 111,442,000 | 112,232,000 |
| Allowance for loan losses | 2,441,000 | 2,567,000 | 2,630,000 | 2,741,000 |
| Securities available for sale | 20,547,000 | 19,506,000 | 19,986,000 | 21,460,000 |
| Securities held to maturity | 21,991,000 | 22,934,000 | 23,632,000 | 23,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,634,000 | 142,615,000 | 143,556,000 | 145,620,000 |
| Interest-bearing deposits | 134,113,000 | 131,880,000 | 132,627,000 | 134,335,000 |
| Noninterest-bearing deposits | 10,521,000 | 10,735,000 | 10,929,000 | 11,285,000 |
| Equity capital | 22,373,000 | 21,495,000 | 22,157,000 | 22,702,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,785,000 | 3,678,000 | 5,649,000 | 7,554,000 |
| Interest expense | 372,000 | 753,000 | 1,139,000 | 1,527,000 |
| Net interest income | 1,413,000 | 2,925,000 | 4,510,000 | 6,027,000 |
| Noninterest income | 86,000 | 204,000 | 338,000 | 438,000 |
| Noninterest expense | 977,000 | 1,916,000 | 2,844,000 | 3,817,000 |
| Provision for loan losses | 150,000 | 275,000 | 400,000 | 500,000 |
| Pretax income | 372,000 | 1,045,000 | 1,713,000 | 2,257,000 |
| Income tax | 38,000 | 75,000 | 112,000 | 151,000 |
| Net income | 334,000 | 970,000 | 1,601,000 | 2,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,660,000 | 20,619,000 | 20,905,000 | 21,066,000 |
| Total capital | 22,224,000 | 22,184,000 | 22,506,000 | 22,676,000 |
| Risk-weighted assets | 124,253,000 | 124,201,000 | 127,065,000 | 127,695,000 |